Changes To Leif's Car Insurance Policy

Our Founder received his latest car premium in the mail this week and with it a two-page notice entitled "Important Notice: Regarding Changes
To Your Car Policy". He was happy as always to receive reductions for such things as being accident free and a god-like figure for the nation's
youth. However he was mightily perturbed to learn of his reduction in coverage.

"What am I supposed to do now when terrorists detonate a nuclear device near my car? I am practically uninsured now," said our dear Founder.
"And don't even get me started about fungus."

Here are selected selections from the notice:

1. DEFINED WORDS
The following definition is added:

Fungi - means any type or form of fungus or fungi and includes:

mold;

mildew; and

any of the following that are produced or released by fungi:

mycotoxins;

spores;

scents; or

byproducts.

3. SECTION II -- MEDICAL PAYMENTS -- COVERAGE C
The following is added to What Is Not Covered:

THERE IS NO COVERAGE FOR BODILY INJURY THAT RESULTS FROM EXPOSURE TO FUNGI.

THERE IS NO COVERAGE FOR BODILY INJURY THAT RESULTS FROM:

NUCLEAR REACTION;

RADIATION OR RADIOACTIVE CONTAMINATION FROM ANY SOURCE; OR

THE ACCIDENTAL OR INTENTIONAL DETONATION OF, OR RELEASE OF RADIATION FROM, ANY NUCLEAR OR RADIOACTIVE DEVICE.

4. SECTION IV -- PHYSICAL DAMAGE COVERAGES
The following is added to When The Physical Damage Coverages Do Not Apply:

THERE IS NO COVERAGE FOR:

LOSS TO ANY PROPERTY DUE TO FUNGI, unless the fungi is the direct result of a loss payable under [blah blah blah]...

TESTING OR REMEDIATION OF FUNGI, REGARDLESS OF WHETHER OR NOT THE FUNGI IS THE DIRECT RESULT OF A LOSS PAYABLE UNDER ANY OF THE PHYSICAL DAMAGE COVERAGES.

THERE IS NO COVERAGE FOR LOSS TO ANY VEHICLE THAT RESULTS FROM:

NUCLEAR REACTION;

RADIATION OR RADIOACTIVE CONTAMINATION FROM ANY SOURCE; OR

THE ACCIDENTAL OR INTENTIONAL DETONATION OF, OR RELEASE OF RADIATION FROM, ANY NUCLEAR OR RADIOACTIVE DEVICE.